These included the right to force Banks to build up extra reserves during boom times, increase risk-weights on high-risk lenders and impose loan-to-value ratios in the mortgage market.

银行可以在繁荣时期建立额外储备金，对高风险借款人增加风险筹码，和对抵押贷款市场规定贷款价值比率。

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It is shown that, when both the high-risk type and the low-risk type provide the equal collateral value to the bank, their loan interest rates are also equal.

指出了在此模型下，当两类企业向银行提供等值的抵押品时，高、低风险企业的利率也相同。

youdao

Last month the Welsh government announced it was dropping its NewBuy scheme which was designed to help people get high loan-to-value mortgages and would have supported the creation of 3, 000 homes.

BBC: Social housing: Welsh government's annual ?4m for 30 years

With borrowing rates so high, loan-to-value ratios on houses can be twice as much as a home's market value, whereas in a more balanced market they would be at 75%.

FORBES: Emerging Markets

Because the appraisal didn't lower his loan-to-value ratio, and despite his high credit score, Mr. Lattas says he's going to end up with a mortgage rate that's a quarter of a point more expensive than the lowest rates available.

WSJ: The Appraisal Betrayal | Jumbo Jungle